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方维P2P网贷系统2.7
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维P2P信贷系统,专为基于互联网的借贷而开发的一套应用系统,通过网络为个人与个人提供个人小额贷款、无抵押贷款的网上借款,从而借款者解决缺少资金周转、创业问题,同时也给投资者带来可观的回报。P2P信贷,指有资金并且有理财投资想法的个人,通过第三方网络平台牵线搭桥,使用信用贷款的方式将资金贷给其他有借款需求的人。其中,中介 机构负责对借款方的经济效益、经营管理水平、发展前景等情况进行详细的考察,并收取账户管理费和服务费等收入。这种操作模式依据的是《合同 法》,其实就是一种民间借贷方式,只要贷款利率不超过银行同期贷款利率的4倍,就是合法的。 P2P是一种个人对个人的信贷模式,是小额信贷模 式的创新。 P2P是一种原始的信贷模式,其产生应该是基于个人和个人之间的信任或实物抵押,既个人信用和商业信用。基于个人信用的P2P天生就是一种小额 信用贷款。随着信贷需求的不断增加,原始的P2P不再能满足发展的需要,因此产生了专业金融机构,将个人的资金集合成起来提供给需要信贷的 人们,将资金在余缺双方进行资源分配,这样就提高了交易的效率,降低了交易成本。但由于金融机构切断了供需双方个人之间的信息联系,因此 产生了金融风险。为克服风险,银行往往采用抵押担保等措施防止和减少拖欠带来的损失。也因此将无法提供抵押担保条件的借款人排斥在金融服 务的门外。
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方维P2P网贷系统2.7 (2189个子文件)
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datepicker.css 19KB
default.css 16KB
tinymce.css 10KB
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review.css 6KB
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calendar.css 6KB
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deal.css 3KB
user_login_reg.css 3KB
colorpicker.css 3KB
index.css 2KB
main.css 1KB
style.css 1KB
jqzoom.css 1KB
file_manager.css 1KB
top.css 1KB
left.css 761B
editor.css 736B
medal.css 414B
login.css 385B
footer.css 248B
main.css 201B
ip.dat 8.79MB
qq.gif 35KB
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qq.gif 35KB
anshuang.gif 14KB
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